2002 Dodge Ram Cargo Insurance Rates

Want cheaper car insurance rates for your Dodge Ram Cargo? I can’t think of a single person who likes buying car insurance, especially when they are paying too much. Lots of auto insurance companies contend for your hard-earned dollar, and it can be difficult to compare rates to discover the definitive lowest rate

How much is car insurance?

Shopping for lower car insurance rates can be a lot of work if you don’t understand the best way to get rate quotes. You could spend your day talking to agents in your area, or you can stay home and use the web to get prices fast.

Many of the larger companies participate in a marketplace that enables customers to submit their information once, and every company provides a quote for coverage. This system prevents you from having to do quotation requests for every car insurance company.

To submit your quote information now, click here to open in new window.

The single downside to doing it this way is you are unable to specify which providers you will receive quotes from. So if you want to select specific providers to receive pricing from, we have a listing of companies who write car insurance in your area. Click to view list.

Whichever way you use, try to keep nearly identical coverages for every quote you compare. If you compare different coverage information it will be nearly impossible to make a fair comparison for your Dodge Ram Cargo.

What determines Dodge Ram Cargo insurance rates?

Many things are taken into consideration when premium rates are determined. Some are obvious like an MVR report, but other factors are not quite as obvious like where you live or how safe your car is.The best way to find cheaper auto insurance is to take a look at the factors that go into determining the rates you pay for auto insurance. When consumers understand what determines premiums, this enables informed choices that can earn you better auto insurance rates.

  • Being married is a good thing – Having a spouse actually saves money on your policy. Marriage generally demonstrates drivers are more mature than a single person and statistics prove being married results in fewer claims.
  • Tickets can be expensive – Getting just one driving citation could increase your next policy renewal twenty percent or more. Careful drivers pay less for auto insurance compared to bad drivers. Drivers who get severe violations such as hit and run, DWI or reckless driving convictions may find they need to submit a SR-22 form with their state in order to prevent a license revocation.
  • Incidental coverages can cost a lot – There are a ton of extra coverages that can add up on your auto insurance policy. Coverages like coverage for rental cars, death and dismemberment, and extra equipment coverage could be just wasting money. They may sound like good ideas when discussing your needs, but if they’re wasting money consider taking them off your policy.
  • Costs impacted by vehicle usage – Driving more miles annually the more you’ll pay to insure it. Almost all companies price each vehicle’s coverage determined by how the vehicle is used. Autos that do not get driven very much qualify for better rates than those that get driven frequently. A policy that improperly rates your Ram Cargo may be costing you higher rates. It’s a good idea to make sure your auto insurance declarations sheet reflects the correct usage for each vehicle.
  • Pay more if you have a long commute – Having an address in less populated areas is a positive aspect when insuring your vehicles. Drivers in populated areas tend to have much more traffic and a longer drive to work. Fewer drivers means less chance of accidents as well as less vandalism and auto theft.
  • Teenage driver insurance costs – More experienced drivers are more responsible, tend to cause fewer accidents and receive fewer citations.Youthful drivers are known to get distracted easily when driving with friends so they pay higher auto insurance rates.

Drivers save money with these money-saving discounts

Some companies don’t always publicize every available discount in a way that’s easy to find, so we took the time to find some of the best known and also the more inconspicuous savings tricks you should be using when you buy insurance online.

  • Student Driver Training – Cut your cost by having your teen driver complete a driver education course if it’s offered in school.
  • E-sign – A few larger online companies will discount your bill up to fifty bucks for buying your policy on the web.
  • Discount for Home Ownership – Owning a home can help you save on insurance coverage since home ownership shows financial diligence.
  • Multi-policy Discount – When you combine your auto and home insurance with the same company you could save at least 10% off all policies.
  • Waiver for an Accident – This one isn’t a discount, but a few companies such as GEICO, State Farm, and Progressive will allow you to have one accident before your rates go up if you are claim-free for a particular time prior to the accident.
  • Driver Safety – Taking part in a course teaching safe driver skills could earn you a small percentage discount and also improve your driving technique.

As a disclaimer on discounts, some of the credits will not apply to your bottom line cost. Most only reduce the cost of specific coverages such as liability, collision or medical payments. So when the math indicates you can get free auto insurance, you won’t be that lucky.

Some of the larger companies that may offer these money-saving discounts include:

Double check with all the companies which discounts they offer. Savings may not be offered in every state.

Do I need special coverages?

When choosing the right insurance coverage, there is no one size fits all plan. Everyone’s needs are different so your insurance should reflect that For instance, these questions may help you determine whether you would benefit from an agent’s advice.

  • Is my state a no-fault state?
  • Do I have newly-aquired coverage?
  • What can I do if my company denied a claim?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Am I covered when driving in Canada or Mexico?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and can provide invaluable advice.

Car insurance coverages explained

Knowing the specifics of car insurance can help you determine the best coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Listed below are the usual coverages found on most car insurance policies.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for bills for chiropractic care, doctor visits and X-ray expenses. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover you and your occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Comprehensive or Other Than Collision

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as damage from flooding, fire damage, a broken windshield and rock chips in glass. The highest amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Auto liability

Liability coverage provides protection from damages or injuries you inflict on a person or their property in an accident. It protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability coverage protects against claims like funeral expenses, repair costs for stationary objects, legal defense fees and bail bonds. The amount of liability coverage you purchase is up to you, but consider buying as large an amount as possible.

Auto collision coverage

This coverage pays for damage to your Ram Cargo from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things like colliding with another moving vehicle, backing into a parked car, sustaining damage from a pot hole, driving through your garage door and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to save money on collision insurance.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Dodge Ram Cargo.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

In Summary

You just read quite a bit of information on how to get a better price on 2002 Dodge Ram Cargo insurance. The key thing to remember is the more you quote insurance, the higher your chance of finding cheaper insurance. You may even find the biggest savings come from a company that doesn’t do a lot of advertising. These smaller insurers often have lower auto insurance rates on specific markets as compared to the big name companies such as State Farm or Progressive.

When searching for the cheapest insurance quotes, it’s very important that you do not skimp on critical coverages to save a buck or two. There are too many instances where an accident victim reduced uninsured motorist or liability limits only to discover later that the savings was not a smart move. Your aim should be to find the BEST coverage at the best cost but still have enough coverage for asset protection.

Cheaper car insurance is attainable from both online companies in addition to local insurance agencies, so you need to quote insurance with both to have the best chance of lowering rates. Some insurance providers may not offer online rate quotes and most of the time these regional carriers prefer to sell through independent agencies.

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